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Questions about using SSL

I have some questions about SSL.
1)If I use SSL for my Website, does that also mean that I will also be using "https" instead of "http"?
 2)What are the risk of using my own created SSL certificate, rather than paying a provider like Verisign?
3) When an application user logs in using SSL is the server side username and password encrypted?
4) Why don't all software shops use SSL as it seems to be the most secure method for username and password authentication?
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Avatar of Najam Uddin
Najam Uddin
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